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7040 49th St N, Oakdale, MN, 55128

2beds
2baths
1,407sqft
$264,900
$188price/sqft
$1,939/moest. monthly cost
$77,560/yrincome needed

About This Home

Pride of ownership shines throughout this beautifully maintained end-unit townhome, offered by the original owner. Only an out-of-state move makes this property available. Updated and meticulously cared for, this home blends comfort, quality, and modern improvements. The main floor features new LVP flooring (2025), creating a seamless and stylish foundation for everyday living. Natural light pours in through Renewal by Andersen windows, enhancing the inviting spaces. The living area is anchored by a new fireplace insert (2023), while updated ceiling fans and lighting (2024) add a fresh, contemporary touch throughout. The kitchen is well-appointed with appliances all replaced within the last five years, offering both functionality and peace of mind. Major mechanical updates include a new roof (2023), an AprilAire furnace system, a Kinetico water system, and a washer and dryer less than five years old. Additional highlights include an epoxy-coated garage floor (2024), adding durability and a polished finish to the garage space. A wonderful opportunity to step into a well-loved home that is ready for its next chapter. Loft could easily be walled off to make a 3rd bedroom. Quick close possible. This end-unit offers added privacy and natural light, combined with significant updates that make it truly move-in ready. A rare opportunity to own a lovingly maintained home with quality improvements already in place. Some images have been staged using AI.

Getting Around

8
WalkingCar-Dependent
0
TransitNo Nearby Transit
19
BikeSomewhat Bikeable

Schools

7/10
Castle Elementary SchoolGrades PK-50.4 mi
3/10
John Glenn Middle SchoolGrades 6-83.6 mi
--
The Next StepGrades 11-121.4 mi

Construction

Condition

  • Year built: 1994

Materials

  • Roof: Age 8 Years or Less,Asphalt

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Side x Side

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Disposal,Dryer,Exhaust Fan,Humidifier,Water Filtration System,Microwave,Range,Refrigerator,Water Softener Owned
  • Laundry features: In Hall,Laundry Closet,Upper Level

Basement

  • Basement: None

Bedroom

  • Level: Upper
  • Area: 154
  • Dimensions: 14x11

Bedroom2

  • Level: Upper
  • Area: 110
  • Dimensions: 11x10

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,407

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,407
  • Total interior livable area: 1,407 sqft

Kitchen

  • Level: Main
  • Area: 96
  • Dimensions: 12x8

Living Room

  • Level: Main
  • Area: 196
  • Dimensions: 14x14

Loft

  • Level: Upper
  • Area: 120
  • Dimensions: 12x10

Patio

  • Level: Main
  • Area: 96
  • Dimensions: 8x12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0802921220059
  • Attached to another structure: Yes
  • Zoning description: Residential-Multi-Family,Residential-Single Family
  • Foundation area: 750

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio

Lot

  • Lot size: 1,568 sqft
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 40 x 40 x 40 x 40

Parking

  • Total spaces: 2
  • Parking features: Attached,Asphalt,Garage Door Opener,Guest,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Hail
Heat Wave
Winter Weather

FEMA Declared Disasters in Washington County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,339$16,068
Home Insurance *$160$1,920
Property Taxes $270$3,240
Electricity $170$2,050
Total$1,939$23,268
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,480/yr
40% on housing$58,170/yr
45% on housing$51,706/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 55128$141
Washington County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 55128$198
Washington County$201

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-23Price change$274,900
2026-03-06Listed for sale$279,900

For Sale by Agent

AgentTheresa Steichen
BrokerageKeller Williams Classic Realty

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